If you work in New York, you may be at great risk for on-the-job injuries or you might work in an industry where the risk is lower than other types of jobs. Employers purchase insurance so that workers can file claims to collect benefits when they are involved in accidents on the job that result in injury. This system, known as the “workers’ compensation” program, can cover your medical bills, replace lost wages and provide additional financial supplement to help make ends meet during recovery from a workplace accident.
It’s helpful to know which jobs carry the greatest risk for on-the-job accidents. If you work in one of these industries, it’s especially important to review available safety information and to make sure that your employer has provided proper training and available equipment to help you avoid injuries in the workplace.
Chances of filing a workers’ compensation claim are greater in these industries
Numerous issues affect worker safety, including an employee’s own behavior and actions, such as adhering to company safety policies and using common sense when fulfilling workplace duties. The following list includes several jobs that analysts say are among the most dangerous industries in the United States:
- School crossing guard
- Community service/rescue
- Delivery driver
If you earn an income in one of these industries in New York, the likelihood of filing a workers’ compensation claim at some point in your career is much greater than it might be for office workers, store clerks or those who work from home.
Did third-party negligence occur in the accident that caused your injuries?
In addition to filing a workers’ compensation claim if you suffer injury on the job, in certain circumstances, you may also have grounds for filing a third-party negligence claim in a civil court. In such situations, the negligence of someone other than your employer would have been a causal factor in the accident that resulted in injury.
An example would be a driver who runs a red light, then hits you, while you are traveling between job sites at work, or the manufacturer of a defective piece of machinery that failed while you were using it on the job. Sometimes, there may be more than one party liable for damages. New York law allows recovering victims to file injury claims that are separate from their workers’ compensation claims to seek restitution when third-party negligence is a primary cause of workplace injuries.